Unpaid Ticket Suspension
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Hawaii License Reinstatement After Unpaid Tickets

Hawaii suspends licenses administratively for unpaid traffic tickets and court fines. Reinstatement requires paying all outstanding debt across every court, a $30 reinstatement fee, and proof of insurance meeting Hawaii's 20/40/10 minimums. Most drivers do not need SR-22 filing for fines-cause suspensions.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

Minimum Coverage Requirements in Hawaii

Hawaii operates as a no-fault state, requiring all drivers to carry Personal Injury Protection coverage. Licenses suspended for unpaid traffic tickets or court fines do not typically trigger SR-22 filing requirements. Reinstatement requires proof of insurance meeting state minimums, payment of all outstanding fines across every issuing court, and the state reinstatement fee.

Hawaii cityscape and street view
20/40/10 — $20,000 per person, $40,000 per accident for bodily injury, $10,000 for property damage
Liability Insurance
Hawaii requires liability coverage as the base legal requirement for all drivers. These minimums are among the lowest in the country and will not cover serious injury claims or high-value vehicle damage. Unpaid-fines suspensions reinstate with proof of liability coverage alone in most cases.
$10,000 minimum
Personal Injury Protection
Hawaii is a no-fault state, requiring PIP coverage that pays your medical bills and lost wages regardless of fault. The $10,000 minimum covers less than one day in a hospital for serious injuries. You cannot reject PIP coverage in Hawaii unless you formally waive it in writing at policy inception.
Must be offered; can be rejected in writing
Uninsured Motorist Coverage
Hawaii requires carriers to offer uninsured motorist coverage matching your liability limits. You can reject it, but rejection must be documented in writing at the time of purchase. Approximately 15 percent of Hawaii drivers remain uninsured despite the mandate, making this coverage valuable.
Not required
Non-Standard Auto Insurance
Drivers with suspended licenses due to unpaid fines often need non-standard carriers willing to write policies during the reinstatement process. Hawaii non-standard carriers typically charge 20 to 40 percent above standard rates but will issue proof-of-insurance certificates needed for reinstatement without waiting for full license restoration.
State-Mandated Minimum Coverage · Hawaii

Hawaii Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$40,000,000
Bodily Injury (per accident)$80,000,000
Property Damage$20,000,000

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How Much Does Car Insurance Cost in Hawaii?

Hawaii auto insurance rates average $110 to $145 per month for minimum coverage, significantly above the national median due to the state's no-fault PIP requirement and island geography. Unpaid-fines suspensions do not typically increase premiums the way DUI or at-fault accident suspensions do, since the suspension cause is debt-related rather than driving behavior.

What Affects Your Rate

  • Hawaii's no-fault PIP requirement adds $30 to $50 per month to every policy compared to tort-only states.
  • Oahu drivers pay 15 to 25 percent more than Big Island or Maui drivers due to higher accident density and theft rates in Honolulu metro.
  • Non-standard carriers writing suspended-license policies charge reinstatement premiums 20 to 40 percent above standard rates during the first six months.
  • Unpaid-fines suspensions typically do not trigger the same rate increases as DUI or at-fault suspensions because the cause is administrative debt, not driving behavior.
  • Hawaii carriers require proof of Hawaii vehicle registration before binding coverage, which can delay reinstatement for drivers who moved to the state recently.
  • Multi-policy bundling with renters or homeowners insurance reduces Hawaii auto premiums by 10 to 18 percent on average.
Minimum Coverage
$110–$145/mo
Hawaii's 20/40/10 liability minimums plus required $10,000 PIP. Sufficient for reinstatement but inadequate for serious claims.
Standard Coverage
$160–$210/mo
50/100/25 liability limits with $25,000 PIP and uninsured motorist protection. Recommended for drivers with assets to protect or regular commutes in dense traffic areas like Honolulu.
Full Coverage
$220–$300/mo
Comprehensive and collision added to higher liability limits. Necessary for financed vehicles or drivers carrying significant loan balances on older vehicles.

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Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Hawaii's 20/40/10 minimums are the legal floor for reinstatement.

Personal Injury Protection

Hawaii's no-fault PIP pays your medical bills regardless of fault. Required by statute and cannot be reduced below $10,000.

Non-Standard Auto Insurance

Carriers that write policies for suspended-license drivers during the reinstatement process. Rates run 20 to 40 percent above standard.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance. Hawaii carriers must offer it; you can reject it in writing.

SR-22 Insurance

Certificate of financial responsibility filed by your carrier with the state. Required after specific violations.

Find Your City in Hawaii

Honolulu, Hawaii cityscape and street view

Honolulu

urban
City skyline reflected in water at sunset with golden light and purple-orange sky

Pearl City

suburban
Sunset on tropical beach with pebbles, tree silhouette, and golden light reflecting on wet sand

Hilo

urban
Aerial view of tropical coastal town with bay, green hills, and blue ocean under cloudy sky

Kailua

suburban
Aerial view of lush green coastal cliffs and volcanic ridges meeting the ocean under blue sky

Waipahu

suburban

Frequently Asked Questions

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